Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Stroud can be costly, particularly as your home ages and your appliances and systems have to be repaired or replaced. A home warranty can bring you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is filled with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Stroud.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Stroud residents. Liberty has been operating for around 6 years, making it a well-respected company in the industry. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Stroud residents. Choice has been operating for around 15 years, making it a well-respected company in the industry. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty for Stroud residents. Select has been operating for around 11 years, making it a well-respected company in the industry. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty for Stroud residents. AHS has been operating for around 26 years, making it a well-respected company in the industry. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Stroud residents. First American has been operating for around 39 years, making it a well-respected company in the industry. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered system or appliance.
For a more detailed breakdown, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Stroud residents. Cinch has been operating for around 44 years, making it a well-respected company in the industry. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Stroud residents. HSC has been operating for around 15 years, making it a well-respected company in the industry. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $6,155 |
Heating | $4,103 |
Electrical | $615 |
Toilets | $513 |
Washer/Dryer | $821 |
Plumbing | $615 |
Oven | $1,641 |
Fridge | $615 |
A home warranty is a protection policy that helps lower expenses for Stroud homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as washers, garbage disposals, dryers, microwaves, dishwashers, refrigerators, and more. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty companies also offer additional coverage for roof leaks, central vacuums, septic systems, and locksmiths. Most home warranty plans require Stroud homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty terms to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans cover plumbing, heating, AC, electrical, and appliances. More inclusive plans may also include extra things such as pools, roof leaks, spas, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers maintain networks of contractors to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Stroud to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers offer perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can provide extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Stroud’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been getting.
As for the downsides of home warranties, home system and appliance coverage varies by company, so it’s important to read what each policy covers and doesn’t include in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty plan costs, on average, around $300 to $600 a year in Stroud. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Stroud. It doesn't cover a normal appliance or system breakage.
A home warranty can help homeowners, home sellers, homebuyers, real estate agents, and investors. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Stroud include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans typically last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Stroud is $258,040, a home warranty can be an added asset when buying a home.